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  • Universal Sompo Individual Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Universal Sompo is one of the general insurance service providers operating in the country. The company offers insurance service in various domains including health, motor, commerce, etc. Health insurance is one of the major segments of the company, and it continues to compete with various top players in the industry. Universal Sompo Individual Health Insurance is a comprehensive health insurance plan offered by the company. This is an affordable health insurance cover designed for the middle-class population of the country.

    Eligibility for Universal Sompo Individual Health Insurance

    The following eligibility criteria applies to those who wish to enroll themselves in the Universal Sompo Individual Health Insurance policy:

    • The age of the proposer must be between 18 years and 65 years of age.
    • Dependent children can be enrolled from the age of 3 months along with their parents.
    • This policy offers lifelong renewability option once a person has entered this cover.

    Features of Universal Sompo Individual Health Insurance

    Some of the notable features of Universal Sompo Individual Health Insurance policy can be listed as follows:

    • This policy is available in multiple sum insured options ranging from Rs.1 lakh to Rs.5 lakh.
    • Pre-existing medical conditions can be covered under this policy only after 48 months of continuous coverage.
    • The initial waiting period for sickness hospitalisation is 30 days from the date of inception of the policy cover.
    • For certain conditions like cataract, hysterectomy, benign prostatic hypertrophy, sinusitis, piles, etc., there is a waiting period of 1 year applicable to policyholders.
    • Pre-hospitalisation medical expenses incurred for up to 30 days before admission in a hospital are covered by this policy.
    • Post hospitalisation medical expenses incurred for up to 60 days after discharge from the hospital are covered by this policy.
    • A cumulative bonus of 5% is offered for every claim-free year subject to a maximum of 30% of the sum insured amount.
    • For people over the entry age of 45 years, a pre-insurance medical examination is required before enrolling in this policy. The company will not provide any reimbursement for the medical tests undertaken.
    • This policy offers tax benefits on the premium charges paid as per the regulations of Section 80D of the Income Tax Act.

    Benefits of Universal Sompo Individual Health Insurance

    The range of benefits offered by Universal Sompo Individual Health Insurance policy can be listed as follows:

    Benefits Extent of Coverage
    In-patient hospitalisation expenses (includes expenses for room rent, medicines, diagnosis, specialist fees, etc.) Up to the sum insured limit
    Day care treatment Covered for all the procedures listed in the policy document
    Domiciliary treatment Available for medical treatment taken at home under certain conditions (must be at least 3 days or more)
    Daily cash benefit Up to 0.1% of the sum insured subject to a maximum of Rs.250 per day (cannot exceed Rs.2,500 in a policy period)
    Emergency ambulance cover Up to 1% of the sum insured amount subject to a maximum of Rs.1,000 per policy period
    Cost of organ donor treatment Covered
    Health check-up Up to 1% of the sum insured amount for every four claim-free years
    Critical illness coverage (optional) Covered for 5 conditions including cancer, paralytic stroke, chronic renal failure, coronary artery bypass, and major organ transplant

    Exclusions of Universal Sompo Individual Health Insurance

    The following list of conditions will not be covered by Universal Sompo Individual Health Insurance policy:

    • Injuries or illnesses caused by war, invasion, etc.
    • Cost of medical aids such as spectacles, contact lens, crutches, hearing aids, etc.
    • Self-inflicted injuries or suicide attempt
    • Treatment expenses attributable to pregnancy or childbirth
    • Dental treatment or surgery unless necessitated by an accident
    • Any kind of venereal diseases or sexually transmitted diseases
    • Injuries or illnesses caused due to the abuse of alcohol or drugs
    • Cosmetic or aesthetic treatments of all kinds
    • Expenses related to naturopathy treatment
    • Any non-medical expenses incurred during hospital stay

    Claim Procedure

    Universal Sompo offers both cashless treatment as well as reimbursement claim facility. The company has network tie-ups with over 4,000 hospitals located in different places across the country. You can contact the company’s customer service and intimate them about the claim. Intimation must be provided at least 48 hours ahead of planned hospitalisation and 24 hours within emergency hospitalisation. You can fill out the authorisation form in the network hospital and send it to the insurer. The company will verify the policy details and approve the authorisation request.

    Reimbursement claims can be filed after discharge from the hospital. Along with the claim form, you must also provide various documents like policy copy, discharge summary, diagnostic reports, cash memos, medical bills, diagnostic reports, physician certificate, etc. Once the documents are submitted, the company will verify the document before approving the request. Following the approval, the company will reimburse the claim amount to the insured person.

    *The customer reviews/feedback/opinions expressed on this website are solely of their authors and do not reflect, in any way, the view of BankBazaar Insurance.

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Universal Sompo Individual Health Insurance Reviews

    • Apollo Munich Health Insurance
      "Worst and Fraud insurance. never take it. rejects all claims"
      0.5 0.5/5 "Unacceptable"
      They reject all claims without proper reason. I personally experienced it. My claim of hospital bill was rejected giving any wrong reason. I urge all people, never take any policy of apollo munich. claim ID: 948912 case ID:5208987. Anyone can check my claim. Fraud apollo munich company, Playing with people money.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 15, 2019
    • Star Health Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the STAR HEALTH & ALLIED INSURANCE where i been using the policy since from last few years. The premium i have paid is 11K for this policy, the medical coverage is for 2L 50K for this policy where the coverage is for self.
      Was this review helpful? 5
      , new delhi
      Reviewed on Jan 30, 2019
    • Royal Sundaram Health Insurance
      "GOOD POLICY"
      0.5 4.5/5 "Excellent!"
      I have been using the health insurance policy with the ROYAL SUNDARAM GENERAL INSURANCE since from last 4-5 years where i had claim once with this policy. The medical coverage is for 4L for complete family. The premium is nominal with this insurance policy.
      Was this review helpful? 2
      , bilaspur
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      The reason for taking the HDFC ERGO GENERAL INSURANCE health insurance is because i wanted to enhance the medical coverage of this policy. It is a top up plan where i the coverage is for 6L for family. It also includes the pre existing disease coverage.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Jan 29, 2019
    • Tata AIG Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the health insurance policy with the TATA AIG GENERAL INSURANCE since from last 10 years as i have no claim experience with this insurance policy. The premium is nominal also the medical coverage they have offered is 5L for self.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 5.0/5 "Blown Away!"
      Bankbazaarinsurance.com i am using it for the very first time as i am using it through the website as the portal is convenient to access also it is hassle free to apply for the insurance. The customer service is very good they explain the details of the policy.
      Was this review helpful? 1
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance Health Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 29, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaarinsurance.com where i have been using it through the website as the portal is user friendly also it is convenient to access. The customer service is good by explaining the details of the policy.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the HDFC ERGO GENERAL INSURANCE is because i am an existing customer of life insurance with this HDFC. I had no claim experience with this policy but the medical coverage is for 5L for self.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 29, 2019
    • Bajaj Allianz Health Insurance
      "GOOD POLICY"
      0.5 4.0/5 "Great!"
      I am using with the health insurance policy with the BAJAJ ALLIANZ GENERAL INSURANCE from last two years which is a corporate policy where i had no claim experience but the premium i am paying for yearly where half of the amount has been paid by the company. The medical coverage they are providing is for 2L for family.
      Was this review helpful? 0
      , kumarakom
      Reviewed on Jan 27, 2019
    • Apollo Munich Health Insurance
      "EXCELLENT"
      0.5 4.0/5 "Great!"
      The premium is nominal when compared to the other health insurances with the APOLLO MUNICH so i have taken this health insurance policy. The claim settlement is very good and the customer service is very helpful. I had no claim experience but the medical coverage is for 10L with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 25, 2019
    • review Health Insurance
      "GOOD POLICY"
      0.5 5.0/5 "Blown Away!"
      I have been using the health insurance policy with the ICICI LOMBARD GENERAL INSURANCE since from last 10 years where i have paid the premium for 7 years. The customer support is very helpful for getting the claim where i got 60K of claim with this policy. Medical coverage is for 5L for family.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "USER FRIENDLY PORTAL TO USE"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com i am using it from last more than one year and i have been using it through the website as i have faced with no issues with this portal and it is hassle free to access. The customer service is very good by explaining the details of the policy.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Universal Sompo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      The benefits are good with the UNIVERSAL SOMPO GENERAL INSURANCE health insurance so i have taken this insurance. I had no claim experience with this insurance policy but the premium is nominal and the medical coverage is for 10L and the policy coverage is family.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      This is the first time experience with the Bankbazaarinsurance .com where i am using it through the mobile application as the application is user friendly and also it is hassle free to use. The customer service is comfortable and they are responsive and it is good.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      It is the better plan when compared to the others so i have taken the health insurance policy with the HDFC ERGO GENERAL INSURANCE. Premium is nominal and also the medical coverage is satisfactory which gives the medical coverage is for family.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      I have taken the HDFC ERGO GENERAL INSURANCE health insurance policy with the where i have paid the premium 4187 and the medical coverage is satisfactory with this policy. I had no claim experience with this policy. I have not got the soft copy as well as the hard copy.
      Was this review helpful? 1
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 4.0/5 "Great!"
      Bankbazaarinsurance.com is the first time experience where i have been using it through the website as the portal is user friendly also it is comfortable to access. The customer support is with no proper response because they have not followed up.
      Was this review helpful? 0
      , hisar
      Reviewed on Jan 23, 2019
    • HDFC Ergo Health Insurance
      "GOOD"
      0.5 2.0/5 "Expected more"
      The service is better than others so i have taken this HDFC ERGO GENERAL INSURANCE health insurance policy. I had no claim experience but the medical coverage is for 3L for self. I have not received the soft copy and the hard copy. There is no proper customer followup. The premium i have paid is 8,035.
      Was this review helpful? 2
      , hisar
      Reviewed on Jan 23, 2019
    • Bankbazaarinsurance.com Health Insurance
      "CONVENIENT"
      0.5 3.0/5 "Satisfactory"
      It is the first time experience with the Bankbazaarinsurance.com where the portal is very good to use. I use it through the website as the portal is user friendly and hassle free to access. The customer service is very good and they are responsive.
      Was this review helpful? 1
      , nellore
      Reviewed on Jan 23, 2019
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